Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Star Criticare Plus Policy falls under a dual benefit plan, as policyholders can get the coverage of health insurance and as well as critical illnesses. Star Criticare Plus provides a lump sum payment for long-term diseases such as cancer, chronic kidney disease, brain tumor, major organ transplant, Cerebro-Vascualr Stroke causing Hemiplegia, Acute Myocardial Infarction, established irreversible coma, and many more critical diseases. One of the distinctive features of this policy is that it provides cover for non-allopathic treatments up to a certain limit.
Star Criticare Plus Policy offers a fair range of sum insured options from 1 Lakh to 10 Lakh with an age gap of 18 to 65 years. This plan provides policyholders coverage for themselves along with any one family member under Star Criticare Plus Policy.
Minimum:18 years
Maximum: 65 years
2
1 Year
Individual/Family
2 L | 10 L
90 Days*
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
With Star Criticare Plus Policy you can choose your own coverage and customize your health insurance plan as per your unique needs:
Coverage for SI: 2 L - 10 L
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 30 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Not Covered
OPD Charges
Not covered
COVID-19 Treatment
Not Covered
Cataract
Not Covered
No Claim Bonus
Applicable
Automatic Restoration
Not Applicable
Daily Hospital Cash
Available
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Available
AYUSH Treatment
Covered up to 25% of SI, subject to a maximum of Rs. 25,000/- per policy period.
IVF Treatment
Available
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Co-payment
30% of the admissible claim amount
Sub-limits
Available
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.Common Room categories covered under room rent are:
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy, the room rent is covered up to 2% of the sum insured per day with an overall limit of Rs 4000 on the sum insured.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Star Criticare Plus Policy?
ICU charges are covered under Star Criticare Plus Policy.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy medical expenses incurred during pre-hospitalization are covered, for up to 30 days, subject to a maximum of 7% of the hospital bill or to a maximum of Rs.5000/- are payable.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy medical expenses incurred during pre-hospitalization are covered for up to 30 days subject to a maximum of 7% of hospital bills or to a maximum of Rs.5000/- are payable.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy, domiciliary hospitalization is not covered by the SI.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Star Criticare Plus Policy?
Star Criticare Plus Policy does not cover the expenses of daycare treatment up to SI. Treatment is normally taken on an outpatient basis.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under Star Criticare Plus Policy?
Star Criticare Plus Policy does not cover OPD charges.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved Centre.
Coverage status under Star Criticare Plus Policy?
COVID-19 treatment is not covered by Star Criticare Plus Policy.
A common eye condition in which your vision gets blurred.
Coverage status under Star Criticare Plus Policy?
Star Criticare Plus Policy does not cover cataract treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Star Criticare Plus Policy?
The cumulative Bonus or No-Claim Bonus is available under Star Criticare Plus Policy. It will be lost if the policy is not renewed before or within 30 days from the date of expiry.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy, automatic restoration is not available up to base SI. Although it can be renewed on mutual consent.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Star Criticare Plus Policy?
The daily hospital cash is available under Star Criticare Plus Policy as an add-on benefit Up to 2% of the Sum Insured per day.
Overall limit of Rs 4000 per day on the sum insured.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy, organ donor hospitalization expenses are not covered.
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Star Criticare Plus Policy?
Under the Star Criticare Plus Policy, maternity expenses are not covered.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy, the newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star Criticare Plus Policy?
Covered Under Star Criticare Plus Policy up to 25 % of SI, subject to a maximum of Rs. 25,000/- per policy period.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy IVF treatment is not covered.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy, modern treatments are covered.
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy, Ambulance expenses are covered. Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.750/- per hospitalization and an overall limit of Rs.1,500/- per policy period.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy, Air Ambulance is not covered.
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy, the compassionate plan is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy, Global coverage is not available.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Star Criticare Plus Policy?
Under Star Criticare Plus Policy,e-consultation is not covered.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Star Criticare Plus Policy?
Health checkup is not covered under Star Criticare Plus Policy.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Star Criticare Plus Policy?
Under the Star Criticare Plus Policy, a second medical opinion is not covered.
The insurance companies provide coverage against the expenses incurred on vaccinations.
Coverage status under Star Criticare Plus Policy?
Under the Star Criticare Plus Policy Vaccination expenses are covered. Post-bite treatment and medical treatment for therapeutic reasons are excluded.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Star Criticare Plus Policy?
It is Applicable under Star Criticare Plus Policy.
An insured person whose age is 61 years and above will pay 30% for each and every claim.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Status under Star Criticare Plus Policy?
Applicable under Star Criticare Plus Policy. There is a sub-limit of Rs 1,50,000/- on Cerebro Vascular Accident / Cardio Vascular Disease/Cancer and Breakage of bones, Renal Complications. And for all other Major Surgeries, the sub-limit is Rs 1,20,000/-.
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Permanent diseases or health conditions that are not included under Star Criticare Plus Policy are:
Medical expenses related to the treatment of any illness within 30 days from the first day of commencement of the policy will be excluded.
Expenses on the treatment of Benign Prostate Hypertrophy, Hernia, Hydrocele and related disorders, treatment for gallstones and renal stones are not covered during the first year of the policy.
Expenses on the treatment of Cataracts, Hysterectomy for Menorrhagia or Fibromyoma, treatment for knee or joint, Prolapse of the intervertebral and many other diseases, after two years from the date of commencement of policy will be excluded.
Expenses related to X-ray, or laboratory examinations other than primary hospitalization will be excluded.
Cost of medical aids such as wheelchairs, crutches, contact lenses, hearing aids etc.
Circumcision, vaccination, inoculation, and dental treatment.
Cosmetic and aesthetic treatments.
Change of gender treatments, sterility and infertility treatments.
Expenses related to obesity treatments and weight management treatments or any unproven treatment.
Sexually transmitted diseases, HIV, venereal diseases.
Refractive Error, spectacles, correction of eyesight.
Expenses related to any hazardous or adventure sports.
Expenses on the treatment related to pregnancy, childbirth, miscarriage, abortion, etc.
Treatment for Alcoholism, drug or substance abuse or any addictive condition.
Injuries caused while under the influence of alcohol or drugs.
Intentional self-injuries.
Hospital registration charges, record charges, incidental and miscellaneous expenses and telephone charges.
Hospitalization out of war, nuclear weapons, riots, and strikes.
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Pre-existing diseases after 48 months
Listed Illness 3 Months
To understand how much premium amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.
Sum Insured / Age in yrs | 18 - 35 | 18 - 45 | 18 - 55 | 18 - 65 | Above 65 |
Rs.2,00,000/- | 3,750/- | 4,200/- | 6,400/- | 7,550/- | 11,150/- |
Rs.3,00,000/- | 5,400/- | 6,000/- | 8,900/- | 11,600/- | 16,200/- |
Rs.4,00,000/- | 7,000/- | 7,680/- | 12,300/- | 15,900/ | 21,050/- |
Rs.5,00,000/- | 8,400/- | 9,400/- | 15,200/- | 19,500/- | 25,900/ |
Rs.10,00,000/- | 14,600/- | 16,100/- | 22,600/- | 28,200/- | 35,350/ |
Star Criticare Policy has multiple advantages that policyholders can avail after the purchase.
Get tax relief under section 80D
Organ Donor expenses are not availabe.
Multiple discount options
Avail up to 25% of the Sum Insured
Ambulance coverage
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
With the Star Criticare Plus Policy policyholders get hospitalization expenses (excluding the cost of the organ and organ donor) incurred during the course of organ transplant to the insured.
Star Criticare Plus Policy offers discount options to its policyholders such as 5% for up to 2 members and 10% for more than 2 members.
Expenses incurred for Ayurvedic/Homeopathic/Unani Treatment are admissible up to 25% of the sum insured or subject to a maximum of Rs. 25,000/- per policy period is provided for the treatment of Illness or Injury.
The policy provides additional coverage for ambulances. Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.750/- per hospitalization and an overall limit of Rs.1,500/- per policy period.-
Star Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Youth-specific
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
Unique Features
Standard
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Flexible
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
Senior Citizen
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
Critical Illness
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Individual Plan
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
Individual Plan
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
Individual Plan
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
The age for buying Star Criticare Plus Policy is minimum-18 years and maximum-65 years.
The sum assured by the Star Criticare Plus Policy is a minimum- of 2 lakhs and a maximum of -10 lakhs.
No, Star Criticare Plus Policy does not provide OPD benefits.
Star Criticare Plus Policy offers discount options to its policyholders such as 5% for up to 2 members and 10% for more than 2 members.
Yes, Star Criticare Plus Policy provides AYUSH benefits, admissible up to 25% of the sum insured, subject to a maximum of Rs. 25,000/- per policy period.
Ranjan Kumar Verma
Patna
March 5, 2023
मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अà¤à¥€ 2021 से मैं STAR HEALTH का Policy continue किया हूà¤à...
sandeep singh
Chandigarh
January 12, 2023
Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...
Sanjay naraware
Pune
November 8, 2022
Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.
Ritesh
Delhi
June 2, 2022
Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.
Himanshu Gada
Delhi
May 25, 2022
Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...
samarth wadhwa
Guwahati
March 14, 2022
Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...
rachana singh
Ahmedabad
February 24, 2022
I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment
paridhi
Hyderabad
February 17, 2022
No doubt that why people recommended me this company. They are loyal towards their customers and help them in every possible way.
Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
You May Also Know About
*T&C Apply